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Its never done this before, but I've found that whenever there is a HDD read/write, my audio on my my work pc goes scratchy. I use a headset. I tried both the front and rear jack, aswell as a different headset, but the problem is still there.

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Splendid

With onboard, if there is heavy work going on, there is sometimes the possibility of distortion because of increased CPU or board load. Try switching to a dedicated sound card to see if the problem goes away. A inexpensive one for around $19.99 should do the trick.